Last TOD or ADHOC Date records the most recent temporary overdraft, ad hoc limit, or short-term excess permitted to the borrower. In MSME banking, such facilities may be granted to manage urgent payments, seasonal requirements, delayed receivables, or temporary cash-flow mismatches. For example, a borrower may request ad hoc support to purchase raw material before a confirmed order payment is received. This date matters because frequent temporary support can indicate genuine business seasonality or emerging liquidity stress. It helps the lender check whether exceptions are becoming routine. The common caution is to review amount, tenure, repayment source, approval authority, and closure status instead of treating the last date as a simple operational entry.